I'm going to do a diary too :)

gerbiljo

£25 from ebay takings £17100!

vl2588

No phone

CathT

Wow, well done Jo. Yes you make large OP's but it also goes to show that regularly chipping away at the mortgage makes a big difference.

Your purchase is very cute, am assuming it's for your dd.

Hope new job going well and you're finding that balance, your rota sounds ok at times anyway. I'm going back on compressed hours so I really hope it works for us.

Your MF journey is almost over now, good luck!!

gerbiljo

Pay day not as much as usual for some reason but £13260!! should have another £500 to come off with normal payment and cb. next month will be our last huge milestone- going to 4 figures.

Thanks Cath, generally it is much better, when I'm off it seems the perfect rota, sometimes during my blocks of work I think it is an unrealistic longterm target. I feel better about work in general- i generally enjoy it- I'm not desperate to retire or anything but there are going to be lots of changes at work and I'm not sure they are going to be for the better- for us. Cath I guess maybe your compressed hours are a bit like mine? i think it is good to still maximize earnings that way and still get parenting time, i do feel now not working at all i think i would feel a bit vulnerable, i do like the feeling earning money gives me.

We have been stoozing , however got a bit caught out the other day by being turned down for a card. I signed up to get my credit report (no cash back tho doh!!) and spoke to someone and basically it was because I'd applied for the one I got turned down for and another one just before so we could pay the holiday balance. The guy said if I wait 3months i should get the next one. We will need a new one good for overseas spending when we go away. So from now on I will have to not get so carried away with all these treats until it is all paid up!!

Finally the little pony my daughter rides is poorly and needs surgery it makes me start to think about getting her a pony again!!! I have been told no! we shall see we have a couple of holidays coming up so perhaps it is something for the future...

Thats it, shall update on the first with normal payment

gerbiljo

mortgage money off today... £20.39 interest, 65p a day! £437.12 off the balance, new total £12820...exciting stuff!

scaffolding is going up now

Barbeduk

Wow, I have just read your first and last pages and am going to have to find some time this weekend to read the rest of your journey. Amazing stuff, you must be so pleased it's nearly over.

gerbiljo

Thankyou I am sooo pleased!!! one day i will have to reread it myself... 87 days not that I'm counting!!

[Deleted User]

Wow that is an amazing day count!!! you must be so excited!
Gonna read back thru your diary for some tips incase there is anything I havent thought of yet! :rotfl:

gerbiljo

tyo!! i don't think I'm really doing that much now.... we have had to strike a balance between having a bit more quality time and some of the extras had to go!! Saying that we did put in a lot of effort early and and for a long time so i think it is ok to slack a bit now as I can't see the date really changing at all now as we pay a chunk each month in a short space of time we can't alter it really. Good luck!

gerbiljo

We spent £90 on food this week- what is the world coming to!!! Well all I can say is my MSE ability is going out of the window.

The mortgage however is coming to the end. We have some good plans in place now and lots to look forward to. However our enjoying ourselves for me will not include overspending on food that's for sure.

We bought my daughter a grooming kit this weekend and went to a wedding. I got her a box for her grooming kit with amazon vouchers... As I child when it come to horses I got as far as getting a grooming kit for my 'horse' to be. I used to go to the stables and use it, then clean it up and put it away. It is still in my parents garage- (they tried to throw it away many a time) nice a clean. I am determined that my daughter should not just end up with a clean grooming kit in 30 years time!! I secretly look for horses alot and have lots of friends with them. I have my eye on one (though of course he might have already gone), i am waiting for my husbands blessing to look at it....we both know its a couple of months early, I expect this will come to nothing in which case I think I will stop looking (for a month??) but I kind of feel he's for me (have I felt like this before- hmmm possibly but don't remember it). I guess we will see. Its the lives too short feeling I have just had from reading someones update....

I might be able to knock £20 off this month before the update...I have no BT phone bill as I was in credit and my O2 phone is now pay as you go, plus i did over spend so I have £10 spare floating about...its destiny mortgage account, then I will update I guess:A
I predict my next mortgage update for the official challenge will be £0, that is exciting (unless I buy a horse though I don't expect that will be purchasable on a credit card!!!):eek: